Industries We Serve

Hamarkoh provides sector-specific insurance solutions for businesses and individuals across Kenya's diverse economy.

Who We Protect

Our advisors understand the unique risks in each industry and craft solutions that genuinely fit.

SMEs & Start-ups

Growing businesses need cost-effective, comprehensive cover. We design packages that fit tight budgets while protecting your biggest risks — employees, property, liability and cash flow.

WIBA Property Public Liability

Construction & Real Estate

Construction projects carry significant risk — from contractor liability to equipment damage. We provide contractor all-risk, WIBA, professional indemnity, and property cover for developers and contractors.

Contractor All-Risk WIBA Public Liability

Retail & Hospitality

Restaurants, hotels, shops and entertainment businesses face fire, theft, liability and business interruption risks daily. We provide tailored cover that keeps your business running after any incident.

Fire & Burglary Business Interruption

Transport & Logistics

Fleet operators, courier companies and logistics firms need robust motor, cargo and liability cover. We provide competitive fleet insurance, goods in transit cover and marine solutions.

Fleet Motor Goods in Transit Marine

Professional Services

Consultants, lawyers, architects, accountants, IT professionals and other service providers need professional indemnity cover to protect against negligence claims that can arise from their advisory work.

Professional Indemnity Cyber

Families & Individuals

From motor and medical to life, travel and education savings — we design personal protection plans that grow with your family and give you genuine peace of mind at every life stage.

Medical Life Motor

Corporate Organizations

Large organizations require enterprise-grade solutions managed with precision. We provide corporate medical schemes, fleet, WIBA, property, directors liability and group life for corporates.

Corporate Medical Group Life

NGOs & Social Sector

Non-profits and social enterprises need affordable cover that meets donor requirements and regulatory standards. We help NGOs access appropriate staff medical, WIBA, property and liability cover.

WIBA Medical Public Liability

Healthcare & Medical

Hospitals, clinics, pharmacies and medical practitioners need specialized cover — medical malpractice, premises liability, equipment and employee medical cover. We understand healthcare risks.

Malpractice Property

Your Industry. Your Cover.

Talk to our advisors about your specific sector and we will design the right insurance package for your business.

Contact Us